Meet Joe

I really enjoy helping clients find the right fit for their mortgage needs. Buying your dream home is a significant event and helping you make the right choice for your mortgage is important to me.

How I Work

You can expect professional service and dependable communication every step of the way. I will educate you on the available programs and help you understand your options so you can make the right decision for you and your family.

The mortgage process can be a little intimidating. I am committed to ensuring a smooth process from start through close.

I have had the pleasure of working with Bell Bank Mortgage and Joe Zemien for over 10 years. Joe truly cares about his customers. His level of communication is excellent. Over the years, he has helped navigate my clients through some very challenging situations. He does this with a can-do attitude and has been there for me and my clients on nights and weekends.

Expertise and Specialties

Super Mortgage Professionals 2013
Super Mortgage Professionals 2014
Super Mortgage Professionals 2015
Super Mortgage Professionals 2016
super mortgage professional 2017
2018 super mortgage professional
SMP 2019